Highline is a new payment network that routes consumer payments from their paychecks, before funds reach the bank account. Lenders getting paid first reduce their defaults by 2/3 vs ACH debits. By partnering with payroll companies, Highline enables a flawless user experience without naming employers, logins or account numbers. Persistent access to data and the flow of funds from payroll reliably supports repayments to personal loans, credit cards, BNPL or any other use case.